FYI: Question: When is it "OK" to tap my emergency fund?
Answer: First off, good for you for having an emergency fund! For those unfamiliar with this concept, an emergency fund is enough cash to cover at least three to six months’ worth of expenses. (If you are the sole income earner in your family, you have high fixed living costs, or you work in a field that is highly specialized, you may want to keep nine to 12 months' worth of cash at the ready, as Christine Benz discusses here.)
Regards,
Ted
https://www.morningstar.com/articles/920944/6-reasons-to-tap-your-emergency-fund.html